Our Blog
What are the Benefits of Whole Life Insurance in Wealth Planning?
When it comes to wealth planning, the benefits of whole life insurance cannot be overstated. Whole life insurance may indeed have higher premiums compared to term life insurance. (At least, in the short-term.) However, it offers numerous benefits that make it a...
Is Whole Life Insurance a Good Investment?
Is whole life insurance a good investment? The bottom-line answer is that it is not an investment. It is a savings alternative that provides many additional benefits. So you don’t want to think of whole life insurance as an investment. However, for wise and...
Why the Wealthy Don’t “Buy Term and Invest the Difference”—and What They Do Instead
“Buy term and invest the difference” is a commonly promoted life insurance strategy. The alternative is to buy some form of permanent life insurance, or cash value life insurance. If a person can only afford term insurance, they may want to buy term and invest the...
Why Producers Use the Human Life Value Approach to Life Insurance
The human life value approach is a way of calculating how much life insurance you should get. But it’s about far more than numbers and calculations. It’s also about much more than the life insurance your beneficiaries get when you die. The human life value approach is...
How to Build Wealth with Overfunded Whole Life Insurance
If you’re serious about building wealth, you’ve probably heard about overfunded whole life insurance. But is it right for you? Technically, the term “overfunded whole life insurance” is a misnomer. Reason being, if you overfund whole life insurance too much, it can...
Our ‘Being Heard’ Practice That Works
The other day Wendy and I took the pre-runner out for a little rip. It’s so much fun for me to explore around the desert and mountains of Southern Utah.We truly live in an amazing part of the country.The headphones that we were wearing allowed us to talk to each other...
Dying and Legacy Thinking
This last year I developed a slight fear of dying. It was not fun. I would wake up in the night thinking about it. Go to bed thinking about it. Have it pop into my mind at random times throughout the day. I’ve had a few people I know, friends and clients, who have...
Lacey is Moving Across the Country
Lacey here with exciting news about my family! My husband, Tyler, who serves in the Army, has been assigned to a new station in Connecticut. This means that we, along with our energetic 4-year-old son, Anthony, and our sweet 10-month-old, Isaiah, will be relocating...
Scarcity or Abundance? It’s up to you.
People hide when they are in scarcity. They hide and they shrink. They retract. They don’t expand. There is no expansion. Just retraction.Life becomes unfulfilling. Loss of desire and hope. They stop believing in themselves and others.They blame others for their...
Choose Your Hard for 2024
Here is THE life lesson of the year for me, if I were to sum it up. It’s one I struggled with not wanting to accept for a few years now. After this year, 2023 I am now convinced it’s true. CHOOSE YOUR HARD. There I said it. I know, I know, many of you reading this are...
The new Mr. and Mrs. Wells
Less than two weeks ago Wendy and I with our son drove to Las Vegas and stayed the night in the Trump hotel. The Trump hotel in Vegas does not have a casino in it. We like that. #nogambling Our daughter and her finance Corbin, along with our grandson Weston, drove...
Relationship Capital
Who here is familiar with what an income statement and a balance sheet is? A property value balance sheet. Assets and liabilities. Assets minus liabilities equals the equity in a property value balance sheet. Take a home valued at 1,000,000 and a mortgage of 500,000....
Lacey Used Her Policy To Save
Interest rates are high and so are the gas prices (currently $4.99 a gallon where I live). My husband works about 40 minutes from our home in Arizona and while he loved his fast, orange Dodge Charger… that thing only gets like 13 miles to the gallon and we needed to...
Inflation is out of control. What to do about it.
We have all felt the effects of inflation in our lives in the last few years. Record highs! Since Covid it’s been extremely challenging to know what to do. How to navigate the effects of an ever-changing market. Real Estate is super unpredictable.Extremely highly...
Is Your Money SAFE
The Safest Place on the Planet for your Money. Today we are going to look at risk on our cash with the recent SVB bank closure. Remember The AIS Triangle? #1 Asset, #1 Investment and #1 Strategy. The #1 Strategy with cash that you are going to relinquish control of...
Value of Quality Experiences
STORYIt’s Thursday morning, I’m up at 5am getting my shit together. Ha! Ya that’s what it takes for sure.Celebrating and appreciating all that is. What a great feeling for sure. REVELATIONMy beliefs about living a high-quality life.What does this even mean you...
Stay Focused in 2023
It was just yesterday that a client emailed in wanting to stop paying into their whole life insurance policy. You know what they say, “The market is lower it’s a great time to invest” or "buy low, sell high".Makes sense, I know, and is for sure tempting. DON’T DO...
Holiday Bondage or Freedom?
What is Freedom? To answer this let’s first talk about the opposite of freedom. Bondage. Captive. Stuck. Boxed in. No way out. Mental Bondage. What does this mental bondage feel like? It’s painful.Frustrating.Fear that I’m always going to live like this.That there is...